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Showing posts from 2016

Give Yourself Credit!

"Ask the Debtbuster"
Mike Schiano


What is credit scoring?
Credit scoring is a system creditors use to help determine whether to give you credit. It also may be used to help decide the terms you are offered or the rate you will pay for the loan.

Information about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, whether you pay your bills by the date they’re due, collection actions, outstanding debt, and the age of your accounts, is collected from your credit report. Using a statistical program, creditors compare this information to the loan repayment history of consumers with similar profiles. For example, a credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — a credit score — helps predict how creditworthy you are: how likely it is that you will repay a loan and make the payments when they’re due.


Some insurance companies also use credit repor…

Strengthen your relationship with God starting today!

No matter what your situation. No matter how tough things have gotten for you personally or financially or physically, your life will improve by strengthening your relationship with God.


There is no question that the closer you get to God the better your life will get. You must make this decision today that no matter what is going on in your life you will thank God for the blessings he has bestowed on you and your family. God has amazing things planned for your life. This struggle you face today is but a stop on the way to wonderful, fulfilling events that God has planned for you. We cannot fathom all God has planned for us. He reveals it a little at a time so that we can manage it. And he will never give you more than you can handle.


You are a child of God and you are blessed. Understand this. Accept it and begin getting close to God by praying constantly. Thanking God for your blessings and anticipating all of the great things God has in store for you in the days and months ahead.


This is YOUR year!

While others start 2016 with hopes and dreams of doing better financially, you should release your faith and expect big things to happen for you. Why? Because right now you can bring on a supernatural change to your financial circumstances with the power of strong belief that things will turn around in a positive way. No matter how long you've been under stress, you can overcome these circumstances and end this year much better off than you are right now.


Why should this happen to you? Because it is within you to make these positive changes happen. You have been ordained to succeed. It's your birthright. You live in the greatest country in the world where you can change your circumstances just as surely as the sun rises each glorious morning. But, it is also within you to remain in your negative situation. So many linger in a state of limbo waiting for something to be done to them to change their circumstance when they hold the essence of change within them.


This may sound wa…